Edwin Ricardo is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 65 and Series 63 licenses. His prior roles include positions at TD Private Client Wealth LLC, ACE Capital Management LLC, and BTS Asset Management. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by its Center for Financial Research.

Joyce Goff is a financial advisor with Merrill in Winter Park, FL, holding a Series 66 credential and 33 years of industry experience. She has worked at Merrill since 1995. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Semih Batum is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at firms including The Vanguard Group, Bank of America, Merrill, and Amicorp Services Ltd. prior to joining Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational platform.

Gerardo Forteza Garcia Barbon is a financial advisor at Ameriprise in Winter Park, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Ameriprise in 2022, he worked at Curative and Asurion, among other roles. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining proprietary investment research and third-party data to provide tailored, non-discretionary recommendations.

Andrew Tucker is a financial advisor at Raymond James Financial Services Advisors, Inc. with three years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Charles Schwab & Co., Inc. and Addition Financial. Outside of his advisory role, Tucker owns Tucker Health Solutions, LLC, which assists clients with Medicare enrollment. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals.

Ronald Rasband is a CFP®-designated financial advisor with 18 years of industry experience. He is currently affiliated with Cetera and has prior experience at Evershore Financial Group and Securian Financial Services. He serves as chapter president of the BYU Alumni Association in Orlando. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Patrick Lawrence is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured financial planning tools and modeling techniques as part of its advisory process.

Jason Dahlman is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In his role, he provides financial consulting services aimed at helping clients pursue their financial goals. His approach to advising centers on integrity and a commitment to supporting clients and their families in their financial planning both now and in the future.

Kentecia King is a financial advisor at Charles Schwab with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, Finra, Pier One Imports, and U.S. Bancorp Investments. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a large, integrated structure with centralized supervisory and custody arrangements.

Jose Lopez is a financial advisor with Raymond James & Associates in Winter Park, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior experience includes roles at Ameriprise and earlier tenures at Raymond James. Outside of advisory work, he is involved in several business ventures, including ownership interests in LLCs related to business services and real estate holding companies, as well as a membership in the Vice Versa Winery. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad range of clients including individuals, institutions, and municipalities, offering customized financial planning and consulting services supported by diverse portfolio management styles and affiliated research resources.

Wendy Kanters Smith is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 23 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. She is also a commissioned notary public in the state of Florida. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, using proprietary research and planning tools to deliver tailored recommendations across a broad range of financial areas.

Elizabeth Allen is a financial advisor at Stifel with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Stifel since 2018. Her prior experience includes roles at B.C. Ziegler and Company and Ameriprise Financial Services Inc. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

William Jones is a financial advisor with Wells Fargo Clearing in Orlando, FL. He holds Series 63 and Series 65 credentials and has 25 years of industry experience. His prior roles include positions at Stadion Money Management, ALPS Distributors, Inc., and DWS Investments Distributors, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap‑fee programs. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering a combination of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party analytics.

Heather Bronson is a Financial Consultant currently working at Fidelity Investments since 2021. She has experience serving as a Private Client Advisor at JP Morgan in 2021 and as a Financial Consultant at TD Ameritrade from 2011 to 2020. Heather focuses on partnering with clients to understand their goals and develop customized financial plans tailored to their needs and those of their families. She emphasizes forming strong relationships with clients and maintaining trust, reliability, and competency.

John Burmester is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has also worked at Wells Fargo Bank, N.A. since 2010. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is grounded in modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Hannah Amdahl is a financial advisor with LPL Financial in Montverde, FL, holding a Series 66 designation and four years of industry experience. Her prior work includes roles at HomeStreet Bank and Buried Onions LLC, and she pursues activities as an artist and musician as well as serving as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by a national network of investment adviser representatives.

Johana Perez is a Series 66-credentialed financial advisor with Edward Jones, based in Orlando, FL, with one year of industry experience. Her prior work includes roles at Edward Jones since 2022 and managing a home goods business, JB Oak Barrel LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Kevin Oser is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads the Corporate Benefit Plan segment of the PAR Wealth Management Team, specializing in retirement strategies for both businesses and individuals. His role involves advising public and private companies on the development and management of their Qualified and Non-Qualified retirement programs, including 401(k) plans. Kevin’s responsibilities encompass plan design, employee education, human resource office support, compliance, and plan testing. He has earned the designation of Retirement Benefits Consultant, joining a select group of Merrill Lynch Financial Advisors focusing on corporate and institutional retirement benefits. Additionally, he holds the Certified Plan Fiduciary Advisor (CPFA) and Personal Investment Advisor (PIA) professional designations. Kevin received a Bachelor’s Degree from the University of Southern California. He is affiliated with the Zeta Beta chapter of Alpha Tau Omega and is a member of the Trojan Club of Florida. Kevin lives in Winter Park with his wife, Danielle, and their two children, Caroline and Davison.

Matthew Ritzma is a financial advisor with Thrivent Investment Management and holds the Series 66 designation. He has been with Thrivent since 2026 and has prior work experience at Door Dash and VUS Education. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm focuses on holistic, goal-based financial planning and offers clients the option to combine planning with managed-account programs while keeping these services separate.

Danielle Bellefeuille is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. She joined the firm in 2024 and has prior experience working in educational settings, including Crystal Lake Elementary School and The Springfield Renaissance School. Mass Mutual Investors Services operates as both a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements that use firm-approved software to analyze client goals and deliver written recommendations.